Insurance for your lifestyle

Home Insurance Coverages

Protecting Yourself and Your Home with Liberty Mutual Home Insurance Policies

Coverage for Your HomeLiberty Mutual homeowners insurance coverage protects your home and other structures on your property—like a garage or tool shed—against loss from many things, including, but not limited to:

Smoke, fire or lightning

Windstorm, hail or weight of ice, snow or sleet

Theft or vandalism

Falling objects

Freezing of a plumbing, heating, air conditioning or automatic fire-sprinkler system, or of a household appliance

Personal PossessionsIf your personal possessions—including furniture, clothing and appliances—are damaged or lost as a result of a covered loss, we’ll arrange for them to be repaired or replaced. Policy limits, terms and conditions apply.

Additional Living ExpenseIf your home is unlivable due to a covered loss, we'll cover the additional necessary expenses you incur, up to the limits stated in your policy, to live elsewhere, enabling your family to maintain its normal standard of living.

Home Protector Plus
If you want expanded coverage and additional benefits—including additional coverage for unforeseen costs when rebuilding your home or replacing personal property—you should consider adding this coverage.

Extra Coverage for ValuablesIf you own certain high-value items, such as jewelry, art or camera equipment, you should consider adding this coverage.

LiabilityIf someone is accidentally injured or has property damaged while on your premises, Liberty Mutual will defend any claims against you and pay those claims up to your policy limits. We’ll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.

Inflation ProtectionIf you purchase Inflation Protection Coverage at an additional cost, Liberty Mutual will automatically adjust your policy limits to keep pace with inflation - and you will receive a discount on your policy premium.

The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.